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Credit Counseling
New credit counseling clients
Toll Free: 1-877-906-5599
Certified Credit Counselors are available
Monday - Friday: 8am - 11pm
Saturday: 9am - 6pm
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Existing InCharge clients
Toll Free: 1-888-734-6229
Customer Service agents are available
Monday - Friday: 8am - 6pm
Housing Counseling
New or existing Housing clients
Toll Free: 1-877-712-6040
Certified Housing Counselors are available
Monday - Friday: 9am - 5pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Bankruptcy Counselors are available
Monday - Friday: 8am - 9pm
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InCharge is closed on the following holidays
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Labor Day
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Day after Thanksgiving
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Speak with a counselor @ 
800-565-8953

How to Budget

Video: Using Your Credit Cards To Pay For Everyday Items

Using your credit cards to pay for everyday items could be a sign that you need to get your budget under control.

Video: Want vs Need

Sometimes it can be difficult to tell the difference between a want and a need. Many products in our consumer culture are advertised as indispensable needs.

Be Realistic About Holiday Expenses

When I was a kid, Christmas club savings accounts were quite common. Like their close cousin, the layaway plan, these accounts encouraged people to start saving far in advance for expenses they knew were coming.

Give Yourself A Financial Tune-Up

As we move through one of the most financially tumultuous years in many decades, some economists feel the worst may be over. But today's continuing high unemployment rates, troubled housing market and tight credit conditions leave many people feeling anxious about the future.

Don't Skip Vacation; Just Watch The Costs

One of the first things many people trim from their budget during economic downturns is vacation. That's unfortunate because stressful times are when we most need to recharge our batteries. Taking on additional debt to finance a vacation is itself stressful, however.

Back-To-School Budgeting Tips

The days when you could send your kids off to the first day of school with a lunchbox and a hug are long gone. Today's back-to-school preparations likely include filing out piles of pre-enrollment paperwork, lining up carpools and, of course, the dreaded shopping excursions for clothes and school supplies.

With Budgeting, Slow And Steady Wins The Race

Budgets are like diets: No single approach works for everyone; overly complicated plans rarely work for long; and sometimes it takes a few tries before you get it right.

Choose Your Charities Carefully

Today's tough economy has been doubly hard on non-profit organizations that rely on charitable contributions. Many people feeling the pinch have had to cut back on their donations; and because so many are out of work, charities that assist low-income families are being swamped just when their funding has been reduced.

Stretch Your Back-To-School Budget

State and local government budget cuts have taken their toll on practically every public service, including school districts. As parents, you're probably already being asked to contribute more and more to fund your children's classroom and extracurricular activities. That means when it comes to personal budgeting, we've got to do more with less.

Talking Finances With Your Valentine

As you and your spouse celebrate Valentine's Day over a candle-lit dinner, you may want to avoid romance-killing topics like, "Honey, let's talk about our financial future." But you really should have that conversation sooner rather than later to keep your relationship on a healthy footing.

Budget Now For Holiday Spending

It's tough sticking to your budget any time of year, but the holiday season presents special challenges with so many unexpected expenses and temptations. If you sometimes fall prey to holiday overspending, you might want to look for year-round small spending cuts in other areas of your life that, when added together, can result in big savings.

Relationship Between Bond Prices and Interest Rates

Why bond prices move inversely to changes in interest rates.

Achieve Your Financial Goals

A financial goal is something you're willing to work for. That being said, how do you achieve it?

The Importance of Setting Financial Goals

Getting out of debt and securing your financial future requires dedication, perseverance, and the know-how to manage your money to the best of your ability.

Why Is Goal Setting Important?

Getting what you want doesn't always come easy. More often than not, you've got to work hard to achieve the results you desire. Getting out of debt and securing your financial future is no exception.

Budgeting: Why Bother?

Elena is a thirty-year old attorney with an annual salary of $90,000. She has never made a budget. She lives paycheck to paycheck, meeting all of her financial obligations. She has no savings or emergency fund and no money in her retirement fund.

How To Shop Black Friday On A Budget

Is it possible that the words "Black Friday" and "budget" can actually be used in the same sentence? The truth is, for many Americans, Black Friday is a very difficult day because the temptations and slick "Madison Avenue advertisements" are too much to resist.

Creating A Budget

To achieve your financial goals, you need to live on a balanced budget. Getting started can be

Preparing A Budget

Whatever the state of your financial life may be, preparing a budget will allow you to take control of your money, establish better cash flow, and set goals to help achieve your dreams.

You Can Plan A Wedding On A Budget

It's one of the most important days of your life - but that doesn't mean you have to spend the rest of your life paying for it. Learn how to plan the wedding of your dreams without racking up nightmarish debt.